我的房贷利率，为什么没有降到3.3%？
<p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="font-size: var(--articleFontsize);letter-spacing: 2px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">10月25日，存量房贷利率调整正式落地，多数借款人已查询到调整后的房贷利率信息。（<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=MjM5NDE3MDgwMg==&mid=2651700002&idx=1&sn=de8080bc4a3d0e9dfe5cf3d495eb04ef&chksm=bd72c9ff8a0540e92aeb3d62356c3e7a3c268ab491da46ab30003416be7b29b92fb0ea1633b0&token=976062494&lang=zh_CN&scene=21#wechat_redirect" textvalue="此前报道" linktype="text" imgurl="" tab="outerlink" data-linktype="2"><em>此前报道</em></a>）同时，不少借款人也产生疑问，为什么下调后利率不一样？为什么没有降到最新利率水平？</span></p><p><section data-support="96编辑器" data-style-id="40882" style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="-webkit-tap-highlight-color: transparent;margin-top: 10px;margin-bottom: 10px;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;width: 66.9844px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;width: 33px;height: 33px;border-radius: 6px;background-color: rgb(26, 156, 240);visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 29px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">Q</strong></span></p></section></section></section><section data-width="90%" style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;margin-left: 7px;outline: 0px;width: 603.016px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;padding: 5px 15px;outline: 0px;background-color: rgb(26, 156, 240);border-radius: 6px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;font-size: 15px;letter-spacing: 2px;color: rgb(254, 254, 254);visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;text-decoration-style: solid;text-decoration-color: rgb(254, 254, 254);visibility: visible;">哪里可以查询调整结果？</span></span></strong></p></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;margin-top: 10px;margin-bottom: 12px;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;width: 66.9844px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;width: 33px;background-color: rgb(255, 155, 142);height: 33px;border-radius: 6px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;font-size: 16px;color: #fefefe;text-align: center;line-height: 31px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">A</strong></span></p></section></section></section><section data-width="90%" style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;margin-left: 7px;outline: 0px;width: 603.016px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;padding: 15px;outline: 0px;background-color: rgb(245, 250, 255);border-radius: 6px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;margin-bottom: unset;outline: 0px;font-size: 14px;letter-spacing: 2px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="font-size: 17px;">目前，多家银行已在手机App中设置存量房贷专属模块、滚动信息栏、广告弹窗、置顶窗口等查询入口，借款人也可通过搜索栏直接搜索“存量房贷利率调整”进行查询，部分银行可在微信公众号进行查询。此外，多家银行通过短信通知的形式告知借款人存量房贷利率调整结果。</span></p><p style="line-height:2em;"><span style="font-size: 17px;">例如：</span></p><p style="text-align:center;line-height: 2em;"></p><p style="line-height:2em;"><span style="color: rgb(136, 136, 136);line-height: 2em;">工商银行App</span><span style="font-size: 17px;color: rgb(136, 136, 136);"></span><span style="font-size: 17px;"></span></p><p style="text-align:center;line-height: 2em;"></p><p style="line-height:2em;"><span style="color: rgb(136, 136, 136);line-height: 2em;">农业银行App</span></p><p style="text-align:center;line-height: 2em;"></p><p style="line-height:2em;"><span style="color: rgb(136, 136, 136);line-height: 2em;">中国银行App</span><span style="font-size: 17px;"></span></p><p style="text-align:center;line-height: 2em;"></p><p style="line-height: 2em;"><span style="color: rgb(136, 136, 136);text-shadow: none;">建设银行App</span></p><p style="text-align:center;line-height: 2em;"></p><p style="line-height: 2em;"><span style="color: rgb(136, 136, 136);text-shadow: none;">建设银行客户服务微信公众号</span></p><p style="line-height:2em;"><span style="font-size: 17px;">多数银行回应，大部分存量房贷利率已于10月25日自动完成调整，且绝大多数借款人不需要提交额外申请或办理相关手续。</span></p><p style="line-height:2em;"><span style="font-size: 17px;">但不同城市、不同银行调整进度略有差异，此次批量调整总体将于10月31日前完成。</span></p></section></section></section></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(62, 62, 62);visibility: visible;"><section deep="7" style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><section data-support="96编辑器" data-style-id="40882" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin-top: 10px;margin-bottom: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;height: 33px;border-radius: 6px;background-color: rgb(26, 156, 240);visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 29px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">Q</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 5px 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(26, 156, 240);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 15px;letter-spacing: 2px;color: rgb(254, 254, 254);visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;text-decoration-style: solid;text-decoration-color: rgb(254, 254, 254);visibility: visible;">为什么下调后利率不一样？</span></strong></span></strong></p></section></section></section></section><section style="margin-top: 10px;margin-bottom: 12px;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;background-color: rgb(255, 155, 142);height: 33px;border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 31px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">A</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(245, 250, 255);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 14px;letter-spacing: 2px;visibility: visible;"><p style="line-height:2em;"><strong><span style="font-size: 17px;">浮动房贷利率由“5年期以上LPR+加点”组成，本次仅调整“加点”部分，不涉及LPR的调整。</span></strong></p><p style="line-height:2em;"><span style="font-size: 17px;">LPR仅在重定价日进行调整，并调整至当时最新的LPR。不同借款人的重定价日不同，通常为每年1月1日或贷款发放日，借款人可通过贷款合同查询，重定价周期为1年。</span></p><p style="line-height:2em;"><span style="font-size: 17px;">近两年来人民银行已对5年期以上LPR进行多次调整：</span></p><p style="line-height:2em;"><span style="font-size: 17px;">2023年6月20日，5年期以上LPR调整至4.2%；</span></p><p style="line-height:2em;"><span style="font-size: 17px;">2024年2月20日，5年期以上LPR调整至3.95%；</span></p><p style="line-height:2em;"><span style="font-size: 17px;">2024年7月22日，5年期以上LPR调整为3.85%；</span></p><p style="line-height:2em;"><span style="font-size: 17px;">2024年10月21日，5年期以上LPR调整为3.6%。</span></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">这就导致不同借款人贷款利率中的LPR存在差异，目前来看，有4.2%、3.95%、3.85%、3.6%四种情况。</span></strong></p><p style="line-height:2em;"><span style="font-size: 17px;">例如，贷款重定价日在1月1日至2月19日（含）之间的借款人，目前LPR为4.2%；重定价日在2月20日至7月21日（含）之间的借款人，目前LPR为3.95%。以此类推。</span></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">虽然本次调整后的利率都是按LPR-30BP计算，但由于LPR的值不同，调整后相应的利率分别为3.9%、3.65%、3.55%、3.3%。</span></strong><span style="font-size: 17px;">因此，每位借款人的房贷利率下降幅度也不完全一样。</span></p><p style="line-height:2em;"><span style="font-size: 17px;">等到贷款重定价日进行LPR重定价后，若当前LPR保持不变，那么借款人的贷款利率将调整至同一水平。</span></p></section></section></section></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section data-support="96编辑器" data-style-id="40882" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin-top: 10px;margin-bottom: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;height: 33px;border-radius: 6px;background-color: rgb(26, 156, 240);visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 29px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">Q</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 5px 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(26, 156, 240);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 15px;letter-spacing: 2px;color: rgb(254, 254, 254);visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;text-decoration-style: solid;text-decoration-color: rgb(254, 254, 254);visibility: visible;">银行批量调整利率后，何时按调整后的利率来算利息？</span></strong></span></strong></p></section></section></section></section><section style="margin-top: 10px;margin-bottom: 12px;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;background-color: rgb(255, 155, 142);height: 33px;border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 31px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">A</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(245, 250, 255);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 14px;letter-spacing: 2px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong><span style="font-size: 17px;">对于符合此次批量调整利率政策的存量住房贷款，</span></strong><span style="font-size: 17px;"><strong>将于调整当日（10月25日）开始按调整后的利率执行</strong>，调整前利息还按原利率计算。</span></p></section></section></section></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section data-support="96编辑器" data-style-id="40882" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin-top: 10px;margin-bottom: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;height: 33px;border-radius: 6px;background-color: rgb(26, 156, 240);visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 29px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">Q</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 5px 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(26, 156, 240);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 15px;letter-spacing: 2px;color: rgb(254, 254, 254);visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;text-decoration-style: solid;text-decoration-color: rgb(254, 254, 254);visibility: visible;">我们当地目前新发放的房贷利率已降至3%（LPR-60BP），为什么我最低只能调到3.3%？</span></strong></span></strong></p></section></section></section></section><section style="margin-top: 10px;margin-bottom: 12px;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;background-color: rgb(255, 155, 142);height: 33px;border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 31px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">A</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(245, 250, 255);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 14px;letter-spacing: 2px;visibility: visible;"><p style="line-height:2em;"><span style="font-size: 17px;">按照此次批量调整存量房贷利率的有关政策和要求，对于利率高于LPR-30BP的存量住房贷款，最多下调到LPR-30BP（北京、上海、深圳等地区二套房贷款除外），并不是下调到新发放贷款利率水平。</span></p><p style="line-height:2em;"><span style="font-size: 17px;">此外，北京、上海、深圳等地区二套存量房贷利率只能调整至当地相应政策下限。具体来看，目前，北京五环内二套房贷款利率下限为LPR-5BP，五环外为LPR-25BP；上海自贸区临港新片区及嘉定、青浦、松江、奉贤、宝山、金山区二套房贷款利率下限为LPR-25BP，其他区为LPR-5BP；深圳二套房贷款利率下限为LPR-5BP。</span></p></section></section></section></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><br/></section><section data-support="96编辑器" data-style-id="40882" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin-top: 10px;margin-bottom: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;height: 33px;border-radius: 6px;background-color: rgb(26, 156, 240);visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 29px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">Q</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 5px 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(26, 156, 240);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 15px;letter-spacing: 2px;color: rgb(254, 254, 254);visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;text-decoration-style: solid;text-decoration-color: rgb(254, 254, 254);visibility: visible;">如果已经预约了提前还款，还可以享受此次利率下调的政策优惠吗？</span></strong></span></strong></p></section></section></section></section><section style="margin-top: 10px;margin-bottom: 12px;-webkit-tap-highlight-color: transparent;outline: 0px;display: flex;justify-content: center;align-items: flex-start;visibility: visible;"><section data-width="10%" style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 66.9844px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;width: 33px;background-color: rgb(255, 155, 142);height: 33px;border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;color: rgb(254, 254, 254);text-align: center;line-height: 31px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;line-height: 2em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 17px;visibility: visible;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;">A</strong></span></p></section></section></section><section data-width="90%" style="margin-bottom: unset;margin-left: 7px;-webkit-tap-highlight-color: transparent;outline: 0px;width: 603.016px;visibility: visible;"><section style="margin-bottom: unset;padding: 15px;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(245, 250, 255);border-radius: 6px;visibility: visible;"><section style="margin-bottom: unset;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 14px;letter-spacing: 2px;visibility: visible;"><p style="line-height:2em;"><span style="font-size: 17px;">各家银行要求略有不同，需借款人主动与贷款行联系了解具体信息，或查询贷款行相关公告。</span></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">以工商银行为例，主要分三种情况</span></strong></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">情况一：</span></strong><span style="font-size: 17px;">如尚未完成扣款，借款人可撤销提前还款申请，只要符合此次调整条件，即可进行利率调整；</span></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">情况二：</span></strong><span style="font-size: 17px;">如已完成部分提前还款扣款，只要符合此次调整条件，剩余本金部分可进行利率调整；</span></p><p style="line-height:2em;"><strong><span style="font-size: 17px;">情况三：</span></strong><strong><span style="font-size: 17px;">如全部贷款已结清，则无法进行利率调整。</span></strong></p></section></section></section></section></section></section></section></section></section><section data-role="outer" label="edit by 135editor" style="letter-spacing: 0.578px;text-wrap: wrap;"><section style="text-align: left;text-indent: 0em;line-height: 1.5em;margin-bottom: 0px;"><br/></section><section style="text-align: 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